태아보험 만기 설정 펙트만 말씀 드릴게요..(30세만기vs100세만기)

Summary

This video script discusses the intricacies of choosing the maturity term for a prenatal insurance policy. It advises viewers to consider the changing insurance market trends, the availability of contract conversion options regardless of medical history, and the significant cost difference between 30-year and 100-year maturity terms. The speaker advocates for a 30-year term, highlighting the potential for insurance remodeling in the future and the opportunity cost of the substantial monthly savings.

Takeaways

• 🤰 The script discusses the process of subscribing to fetal insurance, emphasizing the importance of resolving issues before moving forward with consultation and enrollment.
• 📅 It highlights the decision between setting the policy term to maturity at age 30 or 100, suggesting that viewers will no longer need to worry about this decision after watching the video.
• 📝 The script provides an objective perspective, focusing on facts rather than subjective opinions or common narratives found on YouTube.
• 🔍 It explains the unique structure of fetal insurance, which includes three main components: diagnostic fees, sequelae surgery fees, and long-term and short-term coverage for specific conditions.
• 💡 The video introduces a strategy of mixing term lengths for different types of coverage, with a 100-year term for long-term needs and a 30-year term for short-term needs.
• 💼 The presenter argues for a 30-year term, citing the rapid changes in the insurance market and the possibility of needing to remodel insurance plans in the future.
• 🏥 The script mentions the 'contract conversion system', which allows for changing the term from 30 years to 100 years without being affected by medical history.
• 💸 It discusses the cost difference between a 30-year term and a 100-year term, suggesting that the savings could be better utilized for other benefits for the child.
• 📈 The presenter encourages viewers to consider the opportunity cost of choosing a 100-year term over a 30-year term, suggesting that the money saved could be invested in other valuable assets.
• 📲 The video concludes with a call to action for viewers to subscribe to the channel for more informative videos on fetal insurance and to contact the insurance exit channel for consultation and application.

Q & A

What is the main topic discussed in the transcript?

The main topic discussed in the transcript is the consideration of whether to set the maturity of fetal insurance to 30 years or 100 years.

What are the three major components that make up fetal insurance according to the transcript?

The three major components that make up fetal insurance are: 1) long-term diagnostic fees, 2) long-term postnatal disability surgery fees, and 3) short-term special guarantees that are only needed when the child is young.

What is the 'insurance exit strategy' mentioned in the transcript?

The 'insurance exit strategy' is a method mentioned in the transcript where insurance needed until adulthood is set to mature at 100 years, and insurance only needed when young is set to mature at 30 years, creating a mixed design.

Why does the speaker suggest considering a 30-year maturity for fetal insurance?

The speaker suggests considering a 30-year maturity because the insurance market has changed significantly in recent years, and there is a high likelihood that insurance will need to be remodeled in the future. Additionally, the cost difference between 30-year and 100-year maturities is substantial, which could be better utilized for other benefits for the child.

What is the 'contract conversion system' referred to in the transcript?

The 'contract conversion system' is a system that allows for the conversion of a 30-year maturity fetal insurance policy to a 100-year maturity policy at the age of 30, regardless of any medical history.

What is the potential issue with setting the maturity of fetal insurance to 100 years?

The potential issue with setting the maturity of fetal insurance to 100 years is the high insurance cost and the possibility that the insurance may become outdated or unnecessary as the child grows up and the insurance market evolves.

What is the speaker's stance on the opportunity cost of choosing a 100-year maturity for fetal insurance?

The speaker believes that the opportunity cost of choosing a 100-year maturity for fetal insurance is high, as the money saved by choosing a 30-year maturity could be invested in other valuable assets or used for the child's education or other benefits.

What is the importance of the 'opportunity cost' in the context of the transcript?

In the context of the transcript, the 'opportunity cost' refers to the potential benefits or value that could be lost by choosing one option (100-year maturity) over another (30-year maturity), such as the possibility of investing the saved money in other beneficial ways.

What is the role of the 'Insurance Exit Strategy' channel in the context of the transcript?

The 'Insurance Exit Strategy' channel is mentioned as a source of useful videos related to fetal insurance, suggesting that viewers subscribe to it for more information and guidance on insurance decisions.

What advice does the speaker give regarding the decision-making process for fetal insurance?

The speaker advises viewers to carefully consider the options, think about the opportunity cost, and make informed decisions based on accurate and objective information, emphasizing the importance of selection and concentration over indiscriminate insurance purchases.